The Brief

Picking the next insurance commissioner could be one of the most important decisions Californians make for their wallets this election year.

They may have seen a big increase in their insurance premiums in the past couple of years. They might know someone whose homeowners policy got canceled. Or perhaps they’re trying to rebuild after last year’s deadly Los Angeles County fires.

If you’re not sure what the insurance commissioner does, here’s a rundown:

• Regulates the nation’s largest property and casualty insurance market, which includes policies for homeowners, businesses, landlords, renters and drivers. 
• Leads the Insurance Department, which reviews and approves premium rate increases. 
• Regulates life, health and workers’ compensation insurance. 

Whoever is elected to succeed Commissioner Ricardo Lara will have a long to-do list. For the past few years, insurance companies have paused writing homeowner policies or reduced their presence in California. That’s starting to change because of industry-friendly regulations Lara put in place, but premiums are still rising and the market cannot be described as healthy yet.

The L.A.-area fires last year highlighted other problems, such as homeowners dealing with insurers delaying or denying claims, discovering they were underinsured, or finding out there are no standards for smoke-damage claims. Frustrated fire survivors called for Lara to step down.

In a recent poll commissioned by the Insurance Fairness Project, a national insurance information hub, 62% of likely voters said they are very concerned about the cost of home insurance and 43% said they are not confident at all that California’s insurance system can withstand future extreme weather disasters.

Former insurance commissioner John Garamendi, who held the position two separate times and is now a U.S. congressmember, calls the commissioner job the second-hardest in the state behind the governor. Another former commissioner, Dave Jones, said the next commissioner needs to keep a closer eye on insurance companies and regularly examine their conduct, creating “clear enforcement triggers.” He worked on a blueprint with recommendations galore for Lara’s successor.

About a dozen candidates are officially vying for the position, though not all of them have active campaigns. The two who receive the most votes in June’s primary will move on to the November ballot.

CalMatters interviewed the five candidates who have raised the most money for their campaigns.

All of them are calling for more transparency and accountability from insurance companies within the law that governs insurance in the state, Proposition 103. They want to help reduce fire risk at the individual and community level. Most of them agree California should try to hold the fossil-fuel industry accountable for climate risks that are helping drive up insurance costs.

They want to reduce Californians’ dependence on the FAIR Plan, the insurer that’s mandated to sell fire insurance to those who can’t buy it from individual insurance companies. At the end of 2025, the plan had nearly 650,000 noncommercial dwelling policies, up from about 264,000 in 2022.

Here is how each candidate, in alphabetical order, plans to tackle the challenges.

Ben Allen

State Sen. Ben Allen.

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Photo via the California State Senate

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Last year’s massive fires in the L.A. area hit the senator’s district. Along with other insurance-related bills, Allen has introduced legislation that would give the commissioner more power to hold insurance companies accountable. After hearing from his constituents about the department’s handling of their problems after the fires, he wants to boost the number of staff handling consumer complaints and create a consumer advocate position in the insurance department, he told CalMatters.

Allen, a Democrat, would take a more comprehensive approach to risk reduction, including by creating funding sources such as state-backed loans for hardening homes, and by bringing together insurers, builders, local governments, firefighters and the state to work on solutions. As part of reducing risk, he wants to restrict new construction in high-risk zones, saying developers who are building in such areas are “basically freeloading off the rest of us.” He also wants to “carefully and sensitively” find a way to incentivize those already living in risky areas to move elsewhere.

The senator — a lawyer who will be termed out of the Legislature, where he has worked on environmental issues — said his eyes are wide open about how tough the job would be, but believes he has and can create the relationships needed, including with an incoming governor, to address the issues. On the role of intervenors, members of the public who can challenge insurers’ rate reviews, he indicated he needed to look into it further and that they shouldn’t be slowing down rate reviews — adopting a refrain by the current commissioner, who is seeking to reduce intervenors’ power.

He has received the most endorsements from the who’s-who of state politics, including Senate President Pro Tem Monique Limón and Assembly Speaker Robert Rivas, both U.S. senators from California, Adam Schiff and Alex Padilla, and more than two dozen state lawmakers. Jones, the former commissioner, also endorsed him.

Steven Bradford

Steven Bradford.

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Photo via the California State Senate Archive

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The former Southern California senator and assemblymember would establish a public-private partnership that would share risk with insurers to keep them in the state. What that would look like needs more exploration, Bradford told CalMatters.

The Democrat, a former executive at the utility company Southern California Edison, would invite insurance companies “to the table” when discussing land use and planning, and support a voluntary buyout program to encourage people to move away from high-risk areas.

He said funding could come from expanding an existing program in the insurance department called the California Organized Investment Network, which is backed by the insurance industry and invests in underserved communities, environmentally friendly and affordable housing projects, and more. Insurers’ investments in the program have grown from tens of millions of dollars to more than $1 billion in 2023, according to the commissioner’s annual report in 2024.

Bradford would push insurers for clear explanations when they raise rates, saying it won’t be easy but that because the state’s insurance market is so big, it “would behoove them to do what they can to be partners with California.”

He is endorsed by U.S. Reps. Adam Gray and Luz Rivas, state Treasurer Fiona Ma and Secretary of State Shirley Weber, plus Teamsters California, State Building and Construction Trades Council of California and other labor groups.

Merritt Farren

Merritt Farren.

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Photo courtesy of Merritt Farren’s campaign

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The Pacific Palisades home of the former Amazon and Disney executive was destroyed in last year’s fires. He became an intervenor and pushed for more information on State Farm’s request to raise its rates as a result of the fires, which led to his campaign for commissioner.

Farren, a Republican, would create CAL Reinsure so the state could provide a backstop for insurers. The entity would be funded by a fee charged by insurers and would eliminate the need for the FAIR Plan because companies would be more inclined to write policies, he told CalMatters. The authority could issue bonds that could be sold in the commercial market, and would be backed by the state, like municipal bonds.

He would want to “revamp” regulations that get in the way of allowing new insurance products in the market, saying that he wishes insurers had a premium product that charged customers more but would “pay out immediately on loss without putting them through the drama and trauma they have to go through today.”

Farren said he sees the commissioner’s job as one of consumer advocacy, and invoked his days at Amazon, where he says the motto was to be the most customer-centric company in the world. “You can be a consumer advocate and still appreciate the fact that there will be no insurance for consumers without insurance companies,” he said.

Jane Kim

Jane Kim.

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Photo via Jane Kim’s campaign

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The lawyer, consumer advocate and former San Francisco supervisor told CalMatters that the commissioner’s office has been “under-leveraged” and has the levers to protect people from the powerful insurance industry.

Kim, a Democrat and head of the California Working Families Party, has three main proposals around more government involvement, the main one to create “natural disaster insurance for all.” It would be funded by a portion of policyholder premiums that insurance companies would pass along to the state. The state would manage the fund, which would guarantee fire and flood coverage. Insurance companies would continue to provide coverage for other risks. It’s not her idea — New Zealand has the same system, and it allows the country to invest the premiums in preventive measures, she said. Establishing such a system in California could allow the state to invest profit from premiums that would have gone to insurers’ shareholders in its communities instead, she said.

She would establish a public option for auto insurance by expanding eligibility for an existing program that provides low-cost insurance to drivers who make less than $38,000 a year.

Kim also wants to provide Medicare for kids. She believes California should centralize all insurance authority within the insurance department instead of having managed health care handled by the Managed Health Care Department.

She acknowledges that her biggest ideas are for the long term and will require her to win over naysayers.

“I’ve heard it — ‘She doesn’t know anything,’ ” Kim said. “We’re all so tired of seeing candidates that don’t have political courage.”

Kim is endorsed by some big names, including U.S. Sen. Bernie Sanders of Vermont — she was California political director for his presidential campaign in 2020 — Ro Khanna, the Silicon Valley congressmember, and unions such as SEIU California, the California Teachers Association and the UFCW Western States Council.

Patrick Wolff

Patrick Wolff.

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Photo via the Patrick Wolff campaign website

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The financial analyst, a Democrat who lives in San Francisco and has never held public office, obtained an insurance license ahead of his run for commissioner. Wolff told CalMatters that he has invested his own money in his campaign — $600,000, according to campaign finance records — and simply wants to help fix the problems he sees in the insurance market. “It would be the honor of my lifetime if I can do this job and really do this job well,” he said.

Wolff would create a report card that would grade how insurers handle claims based on existing market conduct annual surveys of insurance companies, which is now anonymized but which he would push to be identifiable. He said that would let the insurance department help customers decide which insurers to reward or punish for their behavior.

He would consider allowing auto insurers to use telematics, which companies use in other states to track driver behavior for underwriting purposes. He said it could help for more accurate underwriting and possibly even lower auto insurance premiums, but acknowledged privacy concerns around the technology and said insurance companies should be prohibited from sharing or selling driver information.

Wolff would roll out a dashboard that would disclose complaints about providers of life insurance. The insurance department is not making that data public, and he doesn’t see why not, he said.

This article was originally published on CalMatters and was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license.

Crowds gathered at Mariachi Plaza in Boyle Heights on Saturday for a rally and march to Adventist Health White Memorial after federal immigration agents mounted a blockade at the emergency room entrance and detained at least two people outside the hospital.

Community organizers and elected officials on Saturday handed off a letter to the hospital’s administrators, calling for an end to any collaboration between the hospital and federal immigration agents.

Sen. Maria Elena Durazo said that it appears the hospital is earning a reputation for being an “ICE-friendly hospital.”

“What happened last night was unacceptable,” Durazo told the hospital’s administrators in the same parking lot where the blockade was held. “It’s unacceptable that ICE would go into our healthcare facilities. But we also believe that White Memorial can and should do more.”

Several hours earlier, patients arriving at the hospital were met by a large presence of masked agents who stood outside the hospital starting Friday evening and into the early hours of Saturday. Ambulances were diverted to nearby hospitals for about two hours while the activity took place.

Local residents and rapid response groups were kept away from the hospital and in multiple videos shared on social media, masked agents pushed away protesters and sprayed them with what appeared to be pepper spray.

The backstory ad what the hospital says

The series of events began after eyewitnesses said they saw federal agents detain a person and take them into the hospital before a crowd of protesters came to rally against the ICE agents, according to Raquel Roman, executive director of Proyecto Pastoral and member of the Boyle Heights Immigrant Rights Network.

Saturday’s rally, organized by the local rapid response group, started at Mariachi Plaza and coincided with a Dia de los Muertos celebration. People marched with signs that read “Protect the Sacred” and “Melt ICE” while others wore La Catrina face paint.

Community members, Durazo, Councilmember Ysabel Jurado, Assemblymember Mark Gonzalez and Mayor-elect Nithya Raman gathered outside the hospital around 2:30 p.m. with members of Proyecto Pastoral and Centro CSO to denounce the ICE activity that had taken place outside the emergency room.

Daniel Fontoura, president at Adventist Health White Memorial, said the hospital staff does not work with federal immigration agents.

“I don’t know what I can do to assure you there’s no special relationship, no special contract. When they show up, they show up,” Fontoura said, referring to the federal agents.

He added that the hospital would like to work with community organizations and elected officials to understand what they should do in these types of situations.

The LA Local was provided a copy of the letter handed to the hospital administrators. Durazo asks White Memorial leadership to provide a detailed account of what happened and determine why agents were allowed to block the ambulance entrance.

The letter also asks that the hospital “implement and enforce clear procedures” to block ICE agents from obstructing entrances and accessing patient rooms and to issue a public statement in English and Spanish “reaffirming the hospital’s unwavering commitment to caring for all patients, regardless of immigration status.”

The letter requests a written response from hospital leadership by Nov. 21.

“If these concerns remain unresolved, we will seek a review by the California Attorney General of White Memorial’s compliance with state law,” Durazo wrote in the letter.

The letter was signed by multiple community leaders and elected officials present at the rally.

Fontoura appeared flustered as he spoke to Durazo and the other officials. He told the crowd that hospital staff called 911 to try and stop the blockade. He was drowned out by people shouting, “Shame.”

About the rally

Derek Mejia, 30, a police accountability co-chair at Centro CSO, joined the rally Saturday afternoon.

He was part of a group who gathered outside the hospital early Saturday morning after federal immigration agents detained two people. By that time, Los Angeles Police Department officers arrived at the scene and an LAPD helicopter circled the area, Mejia said.

“It’s a shame,” Mejia said of the incident.

Mejia said he was at the rally because, “One, we want to show ICE that we’re not afraid and two, we want to let White Memorial know that their collaboration with ICE is not only detrimental to the community but that it needs to stop.”

Verita Topete of Centro CSO, addressed the crowd at the rally. “White Memorial is endangering the same community they claim to serve,” she said.

“ICE out of LA. ICE out of Boyle Heights. ICE out of California,” Topete chanted, and the crowd followed suit.

The group then marched back to Mariachi Plaza before dispersing around 3 p.m.

They were also joined by Councilmember Ysabel Jurado, who represents Boyle Heights, along with CHIRLA’s Executive Director Angelica Salas, union organizer David Huerta of SEIU and Father Brendan Busse with Dolores Mission Church.

Mayor Karen Bass did not atend the rally, but denounced the ICE activity and in a statement called “on the Trump Administration to stop all immigration enforcement in and around health care facilities. Hospital leadership also had a duty to step in right away to protect patients and neighbors, and by all appearances, that did not happen.”

Mayor-elect Nithya Raman joins community members at Adventist Health White Memorial in Boyle Heights on Saturday, Nov. 7, 2026 after federal immigration agents blocked off the emergency room entrance.

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Steve Saldivar

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The LA Local

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Raman, who was elected LA’s next mayor, did attend the rally and thanked community members who showed up to protests ICE’s presence several hours earlier at the hospital. She said that as an immigrant herself, she has “felt the fear that so many across the city and across this country have felt … since these raids began.”

“What happened last night at this hospital was an affront to the wishes of the American people and to the people of Los Angeles,” Raman said.

As she left the rally, community members shouted at Raman to “fire the police chief.”

Throughout her mayoral campaign, Raman said she will attempt to replace LAPD Chief Jim McDonnell after criticizing the department’s handling of ICE enforcement, protests and sharing data with federal authorities, which Raman says is a violation of LA’s Sanctuary City policies.

The post Community, LA leaders denounce ICE activity at White Memorial appeared first on LA Local.

President Donald Trump said Saturday that he has offered the job of White House press secretary to his friend and UFC boss Dana White, an announcement unconventional even for the norm-busting president. White said Saturday that he plans to meet with Trump on Monday at the White House.

Trump, while he was at his golf club in Florida, posted on social media that he made the offer to “the Great Dana White, a violent Fighter and Warrior” to become the Republican president's chief spokesperson.

White, who was in London on Saturday for a boxing event, was asked at a news conference about Trump's post and responded by saying that he planned to fly to Washington right after and meet with Trump on Monday.

When asked how he would balance the job with the current positions he has in the fighting world, White seemed confused by the question and then said, “Yeah, I got a lot of jobs already.”

He declined to say what conversations he'd had with Trump but said, “I'm sure I'll have more to talk about after that.”

Before the news conference, the UFC head shared an image of Trump’s post on Instagram, along with an image of himself standing behind the podium in the White House press briefing room with the words “On to the next chapter.”

The White House and a spokesperson for the UFC did not respond Saturday to messages inquiring about the Truth Social post.

Trump said in his post that he requested that White bring along several UFC fighters as “assistants,” adding, “We need these people to defend us against the Lunatic Left. Dana will be a Press Secretary like none other. Dana, please take the job!”

While White didn't make it clear if he was seriously considering the position of becoming the primary spokesperson for the president of the United States, he did elsewhere in his news conference describe his ambitions to expand the Zuffa Boxing organization he also runs with Saudi Arabian backers and hold more of its events around the world.

Trump's post came as his White House is in a period of major transition and struggling with his party's deep losses in Tuesday's midterm elections. The historic wins by Democratic candidates, including in areas that Republicans had held for decades, led to the GOP losing control of both chambers of Congress.

Trump on Friday announced he was replacing his longtime adviser Susie Wiles, who was seen as something of a tempering force on the president's impulses, with aide Stephen Miller to serve as the next chief of staff. Miller is known as the architect of the administration’s hard-line immigration policies and is among the most determined of Trump's inner circle.

The shake-up at the heart of his administration follows the brief but tumultuous week when Trump tried out a new press secretary in Katie Zacharia, who seemed uncomfortable in her sole appearance before reporters before leaving the job after five days.

The post had been vacant since Karoline Leavitt left at the end of August. Trump remains without a chief spokesperson.

Trump is close friends with White and has attended several UFC events with him since returning to the White House in January 2025.

He brought White and the sport to the White House’s South Lawn in June for the celebration of America’s 250th year of its independence and the president's own 80th birthday. A wire-mesh Octagon was constructed near the executive mansion under " The Claw,” a spaceship-like metal arch fitted with lights, sound equipment and large screens.

“It was an amazing experience, this was a one-of-one,” said White afterward.

White also spoke at the Republican National Conventions in 2016, 2020 and 2024.

Associated Press writers Daniel Gelston in Philadelphia and Jesse Bedayn in Austin, Texas, contributed to this report.

Federal immigration agents detained at least two people late Friday outside Adventist White Memorial Hospital in Boyle Heights, where protesters had gathered after reports of immigration enforcement activity, according to rapid response groups. Protesters remained at the hospital into the early hours of Saturday, where immigration agents maintained a large presence.

It appears the incident began after people witnessed someone being detained and taken into the hospital, according to Raquel Roman, executive director of Proyecto Pastoral and member of the Boyle Heights Immigrant Rights Network.   That spurred a crowd of protesters to rally against ICE agents, who then detained two protesters who are U.S. citizens, Roman said.

ICE activity was also reported near Mariachi Plaza at 5:50 a.m. Saturday, according to witnesses, and outside the East LA Sheriff’s Station, where agents have been seen detaining people in the L.A. County-designated ICE-Free zone. 

Arrests captured on social video

Video posted on social media appears to show one person being detained outside the hospital. In the video, at least three officers in tactical vests are seen detaining someone at the intersection of Boyle and Pennsylvania Avenues around 11:30 p.m.

A group of about six more officers in tactical vests and masks can be seen walking around the area as another, whose vest says “Police ICE,” yells at the person recording to “back up” and “do not impede with the arrest.”

“You’re arresting U.S. citizens,” the person recording says. “18 USC 111, they’re interfering,” the officer replies, referring to Title 18, Section 111 of the U.S. Code: Assaulting, resisting, or impeding certain officers or employees. 

In the video, a bystander who says the person being arrested is his brother can be seen speaking to the officer. 

“Your brother assaulted a federal agent. He’s being arrested for assaulting a federal agent; he’s coming with us,” the officer tells them. 

Boyle Heights Beat reached out to the Department of Homeland Security for more information about the incident but has not yet received a response.

LAPD response

The Los Angeles Police Department was first called to the scene at 11:59 p.m. to respond to a “large group causing a disturbance,” according to LAPD Officer Norma Eisenman. LAPD responded again at 2:24 a.m. as crowds continued to gather outside of the hospital. 

“Officers responded to maintain public safety and keep the peace. At no point did LAPD officers assist federal immigration authorities with enforcement activities or detain any individuals in connection with immigration enforcement,” Eisenman said. 

Video posted on social media by Izzy Ramirez shows a line of agents blocking the emergency loading dock around 2:30 a.m. as a crowd continues to shout at the agents and make noise.

“It was horrible for the local community. The ICE presence was a lot more than I’ve seen it visibly before,” said Roman. 

What the hospital said

Japhet De Oliveira, corporate communications executive at Adventist Health, shared the following statement:

“Federal agents brought a person in their custody to our emergency department, and we cared for that patient with dignity and privacy, as we do for every patient. When agents formed a line across our ambulance entrance, which we did not request nor authorize, we diverted ambulances to nearby hospitals for about two hours to ensure every patient received timely care. White Memorial does not participate in immigration enforcement. We know last night frightened our neighbors. No matter what happens outside our doors, everyone who comes inside is our patient, and our focus will only be on that patient, and it will not change.”

Doctors at Adventist White Memorial last year reported that ICE agents were violating the privacy rights of detained patients and prohibiting contact with patients’ family members. While the hospital released guidelines to protect patients and support staff,  doctors and advocates have said they fall short.

What's next

Councilmember Ysabel Jurado, who represents Boyle Heights, said she was “deeply troubled” by the reports overnight and demanded answers from hospital leadership. She said:

The Boyle Heights Immigrant Rights Network said it plans to lead a protest against ICE outside White Memorial at 2 p.m. Saturday.

This is a developing story and will be updated. 

The post ICE detains two U.S. citizens protesting outside White Memorial Hospital, rapid response groups say appeared first on LA Local.

People may have been getting high off cannabis earlier than previously thought — at least 2,800 years ago, a new study suggests.

Archaeologists who led a dig at a monumental tomb in Siberia said they turned up evidence of the earliest known use of cannabis for psychoactive purposes.

The findings point to cannabis consumption at least 300 years earlier than previously known use in neighboring China.

Ancient drug use has long intrigued scholars. The Greek historian Herodotus wrote about inhabitants of Central Asia smoking cannabis around 440 B.C., and recent archaeologists have found the seeds in tombs across its highlands.

The team from Germany, Russia, Sweden and Switzerland said analysis of hair in the royal tomb where cannabis seeds turned up sheds new light on the plant’s role in ancient societies.

“It’s extremely rare that we have both preserved plant parts and human soft tissue with the active compounds in it in the same context,” said co-author Gino Caspari, an archaeologist at the University of Bern.

It’s not clear whether the cannabis was consumed through inhalation or ingestion, he said.

The dig took place starting in 2017 at a large burial mound at the Tunnug 1 site in the Uyuk Valley of southern Siberia, home to one of the earliest monumental tombs showing material culture of the Scythians — ancient nomads who migrated from Central Asia to southern Russia and Ukraine.

The team, deployed “essentially out in the middle of nowhere,” lived in tents for months and faced a spring-to-autumn season that variously featured swamps, snowstorms, frosts and swarms of mosquitoes. Herds of horses ran freely across the grassy steppe.

Larger artifacts on the site include weapons in the burials, horse gear and animal-style motifs. But the team “struck gold” as it also found tiny black spots that turned out to be cannabis seeds along with preserved human hair, Caspari said.

“It’s only so often as an archaeologist that you do get to drug test a person that’s been dead for almost 3,000 years,” he said.

Radiocarbon dating on some of the more than 1,000 seeds helped establish the time of origin, and “they are not there by accident” but deposited within the tomb, suggesting that the plant material had significance in the community, he said.

Results were published Thursday in the journal Science.

Not all independent experts were convinced.

The hair analysis “is scientifically weak” and there’s not enough evidence to tell whether cannabis was used, wrote Volker Auwaerter, head of the forensic toxicology section at the University Medical Center in Freiburg, Germany, in an email.

“For a central part of the study, the article falls far short of what would have been possible,” Auwaerter said. “This matters because the hair data carry the abstract’s main claims (cannabis consumption and use for its psychoactive properties).”

Today, scholars don’t consider ancient accounts trustworthy without corroborating evidence. Because the cannabis plant has other uses — seeds are pressed for oil and fibers used for cloth — their presence alone doesn’t confirm drug use.

Auwaerter, who was not part of the study, said the data didn’t distinguish consumption from external exposure — in other words, the hair could have picked up traces of weed simply by being buried together with it. He said a lab test involving forensic toxicology expertise would have been advisable and easy to arrange.

But Elisa Guerra Doce of the University of Valladolid in Spain, who has written about use of consciousness-altering substances in European prehistory, said toxicological hair analysis was not new in archaeology and has been used to identify consumption of psychoactive substances. She was not involved in the study.

In an email, she credited the authors for showing, through their methodology, that “cannabis was not merely deposited as a funerary offering but was actually consumed by individuals associated with the burial rite.”